Compliance Officer - Canadian MSB/PSP (Contractor)UNYX AI Ltd • UK-Based • Remote (Global) • Contract • Part-time to Full-timeAbout UNYX AIUNYX AI is a UK-based fintech company registered as a Money Services Business (MSB) with FINTRAC and as a Payment Service Provider (PSP) with the Bank of Canada.
We're building innovative payment solutions that bridge traditional finance and emerging technologies, backed by some of the best investors who also backed Revolut, Tide, Monzo, Bridge, and more.With a distributed team across Europe, we're committed to maintaining the highest compliance standards while scaling our operations across international markets.The OpportunityWe're seeking an exceptional Compliance Officer to serve as our designated compliance officer for our Canadian MSB operations on an independent contractor basis.
This role can start part-time and grow into a full-time contract as we scale.This is a rare opportunity to build and shape the compliance function at a growing fintech from the ground up, working directly with leadership and regulators.What makes this role unique:Contractor flexibility: Independent contractor arrangement with flexible working structureScalable engagement: Start part-time (30% allocation) with clear path to full-time as we growDirect regulatory interface: You'll be our designated contact with FINTRAC and the Bank of CanadaStrategic influence: Direct access to our CEO and Board on critical compliance mattersOwnership and impact: Design and implement our entire compliance frameworkTrue remote-first: We're open to candidates from anywhere in the worldWhat You'll DoRegulatory Compliance & StrategyServe as Compliance Officer for our Canadian MSB registration with FINTRACDesign, implement, and maintain our risk-based AML/ATF compliance program under the PCMLTFA and RPAAAct as primary liaison with FINTRAC, Bank of Canada, and other Canadian regulatorsMonitor regulatory changes and proactively update our compliance frameworkConduct annual risk assessments and lead regulatory examinationsClient & Institutional OnboardingEstablish end-to-end KYC, CDD, and beneficial ownership verification proceduresImplement screening for PEPs, HIOs, and international sanctions lists (UN, Canada, OFAC, EU, UK)Support our onboarding relationships with banking institutions and payment processorsPrepare due diligence packages and respond to institutional compliance questionnairesTransaction Monitoring & ReportingBuild and maintain transaction monitoring systems to detect suspicious activitiesInvestigate flagged transactions and document findingsPrepare and file regulatory reports (STRs, LCTRs, EFTRs, LVCTRs, TPRs) to FINTRACCoordinate with banking partners on transaction escalationsPolicy Development & TrainingDevelop comprehensive AML/ATF policies covering all PCMLTFA and RPAA requirementsCreate training materials and deliver training to company staffEnsure policies reflect current regulatory guidance and best practicesCross-Functional CollaborationProduct Team: Provide compliance requirements for new features; review product designsTechnology Team: Collaborate on system design for compliance automationManagement: Advise on risk management strategy and incident responseWhat We're Looking ForRequired Experience & QualificationsExperience serving as Compliance Officer for a Canadian MSB or similar regulated entity2-3 years minimum compliance experience in banking, fintech, payments, or financial servicesStrong understanding of Canadian AML/ATF regulations (PCMLTFA, RPAA, FINTRAC requirements)Experience with client onboarding, KYC/CDD, and risk assessmentDemonstrated ability to develop policies, procedures, and training materialsExcellent English communication skills (written and verbal) - minimum B2 level, C1 preferredComfortable working remotely with distributed teams across timezonesAble to work as an independent contractor in your country of residenceHighly ValuedExperience with transaction monitoring or suspicious activity investigationsKnowledge of international sanctions regimes (UN, OFAC, EU, UK)Professional certifications (CAMS, ICA, CFE, or equivalent)Experience in fintech or payments environmentsBackground working with FINTRAC or Bank of CanadaPersonal AttributesProactive and self-directed: You take ownership and drive initiatives independentlyDetail-oriented: You have a natural eye for completeness and accuracyAdaptable: You thrive in fast-moving environmentsEthical and trustworthy: Integrity is non-negotiableResponsive: You understand the importance of timely action on regulatory mattersWhat We OfferContractor StructureIndependent contractor arrangement: You maintain flexibility and independenceScalable engagement: Start at 30% allocation (part-time) with clear path to 100% (full-time) as we grow togetherCompetitive monthly compensation benchmarked to your location and experienceEquity participation after successful completion of probationary period - own a piece of what we're buildingFlexibility & GrowthTruly global remote: Work from anywhere in the world - we're open to all locationsFlexible working hours: Core availability beginning at 6:00 AM UK time; otherwise manage your scheduleProfessional development: Annual budget for compliance certifications and trainingCareer progression: Scale your engagement as we grow - opportunity to build and lead a teamSupport & ResourcesDirect leadership access: Regular collaboration with CEO and BoardProfessional insurance: We'll work with you on appropriate coverageTravel opportunities: Occasional travel to Canada for regulatory meetings (expenses covered)Modern tools: Access to best-in-class compliance technologyWorking ArrangementContract type: Independent contractor (not employment)Company base: United KingdomYour location: Remote - anywhere in the world (we're location-agnostic)Initial allocation: Part-time (30%) - approximately 3 hours per dayGrowth path: Scale to full-time (100%) as our operations expandCore availability: Beginning UK time for real-time operational supportPreferred timezone: GMT to GMT+3 for optimal collaboration (but not required)Our Hiring ProcessWe're a small, fast-moving company.
Our hiring process is efficient and respectful of your time:Application Review (2-3 days)Screening Call (30 minutes): Quick conversation about your background and the roleTechnical Interview (60 minutes): Compliance scenario discussion with our CEOFinal Conversation (30 minutes): Culture fit and engagement structureTimeline: Expect a decision within 1-2 weeks from application to offer.How to ApplyPlease submit:Your CV/Resume highlighting relevant MSB/compliance experienceA brief cover letter (max 300 words) addressing:Your experience as a Compliance Officer for a Canadian MSB (or similar regulated entity)Your approach to building a compliance program from the ground upYour location, timezone, and preferred working arrangementYour availability to start and preferred engagement level (part-time vs. full-time)We review all applications carefully and respond to everyone.About Working at UNYX AIWe're building a company where compliance isn't just a checkbox - it's a competitive advantage.
We believe:? Regulatory excellence enables innovation: Strong compliance foundations let us move faster? Transparency builds trust: With clients, partners, and regulators? Remote work works: Built on clear communication and mutual respect? Contractor relationships matter: We value our contractors as true partners? Growth is a journey: We invest in developing our relationships alongside our businessIf you're passionate about compliance, excited by building something from scratch as an independent professional, and ready to make a real impact at a growing fintech backed by world-class investors, we'd love to hear from you.Equal OpportunityUNYX AI is an equal opportunity employer.
We celebrate diversity and are committed to creating an inclusive environment for all team members, regardless of employment type.Ready to build the future of compliant fintech with us?
Apply now.Note: This is an independent contractor position.
Candidates must have the legal right to work as independent contractors in their country of residence.
This is not an employment position.
The engagement can start part-time and scale to full-time based on mutual agreement and business needs.